Retirement Answer Man

Welcome to the last episode of Retirement Plan Live 2019. If you are new to the show, go back and start with episode 289. Retirement Plan Live is a series within the show where we take live case studies with listeners and walk through their retirement dreams and then tackle their finances to see if they can make their dreams a reality. In this Retirement Plan Live, we have met Emma and she and her husband have been facing a difficult situation. On Thursday, October 10 we’ll have their live results meeting. We’ll walk through their ideal retirement and learn if their retirement plan can become a reality. Be sure to sign up for 6-Shot-Saturday on the homepage of so that you can get the link to the live results webinar. 

How do you move forward?

Christopher McCluskey joins me from the Professional Christian Coaching Institute as we discuss how to move forward in hard times. When life deals us a big blow we can get stuck in one place. This is when we need to think about how we approach life rather than how we control it. In hard times, our mindset becomes our reality. That is where the battle is won or lost. There is a period of grief and we should embrace that grief. Grieving is good for you, and without healthy grieving first, you won’t move forward. Eventually, you need to wrestle through to accepting. That is when you grow. 

Coping with a new reality

Coping with a new reality is hard. But none of us truly knows when our last day will be so we need to adopt a mindset of living. Live like you are dying. We can all fritter away at our own lives and sometimes our new reality opens our eyes. Focus on what you can do rather than what you can’t do. And try to discover what is possible with your new life. Try not to give in to despair since we can always hope for something. 

How does Emma navigate being the one left behind?

Emma is in a tough space since she needs to be there to care for Luca, but she also needs to prepare for life alone. She is living a life in limbo. Her support network is both near and far with a brother traveling and a sister nearby. She also has good friends and great neighbors. Emma has managed by advocating for Luca and getting her own support. She understands the importance of self-care but it can be a challenge to work on that at times. 

What would Emma like clarity on in her retirement plan?

On October 10 we’ll have the live webinar with Emma and Luca where we go over their retirement plan. Make sure you’re signed up for 6-Shot Saturday to get the link for the webinar. It is important for Emma to have an agile retirement plan that covers the different scenarios in which she might see herself. She knows there is still plenty that could go wrong. 



  • [4:12] Christopher McCluskey discusses how to move forward
  • [11:25] How do you navigate being the one left behind?
  • [15:56] What is the difference between hope and false hope?
  • [24:20] How do you support someone with their struggles?


  • [28:06] How is her support network?
  • [35:02] How does she manage it all?
  • [37:45] What could go wrong?
  • [45:05] How does she define herself?


  • [51:45] Emma has given us some perspective


  • [52:52] Reply to 6-Shot Saturday with a message to send to Emma

Resources Mentioned In This Episode

BOOK - Thinking in Bets by Annie Duke

Professional Christian Coaching Institute

Rock Retirement Club

Roger’s YouTube Channel - Roger That

BOOK - Rock Retirement  by Roger Whitney

Work with Roger

Roger’s Retirement Learning Center

Direct download: RAM292.mp3
Category:general -- posted at: 6:00am CDT